Business Model and Disruption: A Case Study of Commonwealth Bank Australia

Slide: 1 Title page
Slide: 2 What is business model?
Business model is structure in strategic management which is used to incorporate all the business
processes and activities. These business processes can be visualized under a business model
canvas (Osterwalder, et al. 2011). The canvas is a structure that includes all the components
defining product’s value proposition, customers, resources, infrastructure and finances. The
above picture shows all the components of business model which a company considers to deliver
product and services to its final customers. It assists the organization in gaining more
competitive advantage over its competitors (Baldassarre, et al, 2017). .
Slide: 3 What is Disruption?
To deal with the increased competition in the market, the organizations are using disruption in
their business processes. It is the process that changes and enhances the way of business
operations. Under this process, the companies introduce new products with new point of view.
Disruption can be implemented in process in the form of innovation and updated technology. It
offers new value dimensions to both the business and its customers. These dimensions are
simplicity, accessibility, lower prices, user interface and convenience (Christensen, 2006).
Slide: 4 Commonwealth Bank Australia
For the further discussion, commonwealth Bank is chosen as an organization that has
implemented disruptive technology in its operations. Commonwealth Bank is a multi-national
bank in Australia that offers different services like retail and financial services, insurance,
investment, institutional and business banking, broking and superannuation services
(Commonwealth Bank, 2018). The bank was founded in the year 1911 in Darling Harbour,
Sydney, Australia. The company is well-known as Australia’s the largest bank for opening safe
and quick account.
Slide: 5 Smart connected products
Considering the increased demands of customers, Commonwealth Bank has implemented smart-
connected devices in its processes. Smart-connected products are developed by the organization